News & Analysis as of May 29, 2025

Community Reinvestment Act

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The term "mortgage" typically refers to a mortgage loan. A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +

Potential Improvements for CRA (Part 4b of 4)

GeoDataVision on 4/28/2025

In the first 3 articles in this series (1, 2, 3), we identified fatal flaws in the 2023 CRA rule. In Parts 4a – 4c we propose the regulators consider potential improvements to the rule when they publish the Notice of Proposed...more

FHFA Eliminates Adverse Market Refinance Fee

Goodwin on 7/30/2021

In This Issue. The Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac will no longer charge lenders the Adverse Market Refinance Fee; the Federal Deposit Insurance Corporation (FDIC) is seeking...more

CFPB and DOJ announce redlining settlement

Ballard Spahr LLP on 9/28/2015

Consistent with recent indications from CFPB and Department of Justice officials that more redlining cases would soon be coming, the CFPB and DOJ have announced a proposed consent order with Hudson City Savings Bank to settle...more

Banks Get Big Win in Challenge to New York Ordinance

Bilzin Sumberg on 9/28/2015

Many big cities in the United States responded to the fallout from the 2008 financial crisis by passing local laws which pressure banks to invest more in low-income neighborhoods. Between 2010 and 2013, cities such as New...more

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Mortgages › Canada Revenue Agency › Community Reinvestment Act

Potential Improvements for CRA (Part 4b of 4)

FHFA Eliminates Adverse Market Refinance Fee

CFPB and DOJ announce redlining settlement

Banks Get Big Win in Challenge to New York Ordinance

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